Merrill-Vaughn Sub
Homes for Sale in Umatilla, FL
True comps, carrying-cost math, and listings before the portals.
Merrill-Vaughn Sub is an older, mixed-vintage pocket of Umatilla — homes here span a full century, from 1920 to 2020, with a median build year of 1973. That spread means condition, not square footage or amenities, is what separates one listing from the next. Two homes on the same block can be a century apart in systems, layout, and renovation history.
With a median living area of 1,198 square feet, this is a community of modest-footprint homes, and the 60.2% homestead share tells you most owners are living in these houses as primary residences rather than holding them as rentals or seasonal property. For a buyer, that points to a market where individual home condition and seller motivation matter more than any neighborhood-wide trend.
Who Merrill-Vaughn Sub is best for.
Best for
- Buyers seeking a modest-footprint primary residence with no interest in paying for community amenities they will not use.
- Buyers comfortable evaluating homes individually for age and condition rather than relying on a uniform build standard.
- Buyers targeting a compact home size, given the median of roughly 1,200 square feet.
Probably not for
- Buyers who want the predictability of a single-era build with consistent systems across the subdivision.
- Buyers who expect a homeowners association with pools, clubhouses, or other shared recreational facilities.
- Buyers unwilling to budget for inspection contingencies on older construction, given homes here date as far back as 1920.
The market around Merrill-Vaughn Sub
Merrill-Vaughn Sub is a small community — 1 recorded sale on file, most recently in 2019 — too few for its own price trend. Here is the market around it.
Across Lake County, 3,176 homes are active and 1,107 pending (26% under contract).
Homes here are single family residence.
ZIP and county figures describe the wider market, not Merrill-Vaughn Sub specifically. Momentum Research analysis of MLS records.
The Merrill-Vaughn Sub buying strategy.
If we were buying in Merrill-Vaughn Sub today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Merrill-Vaughn Sub.
A Century of Building Stock in One Subdivision
The defining characteristic of Merrill-Vaughn Sub is age variation. A median year built of 1973 sits in the middle of a range that stretches from homes built in the 1920s to ones finished as recently as 2020. That means the subdivision holds everything from early-20th-century construction to comparatively new builds, and a buyer touring here should expect real differences in wiring, plumbing, roofing, and layout from one address to the next, even within the same few blocks.
At a median of 1,198 square feet, homes in this community run compact. There is no community amenity package identified in current MLS listings — no clubhouse, pool, or shared recreation to factor into the value equation. What buyers are purchasing is the house itself and its lot, not a bundled lifestyle amenity, which keeps the evaluation straightforward: inspect the structure, understand its age, and price accordingly.
The location and the amenities are priced into every listing in Merrill-Vaughn Sub. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a subdivision with a hundred-year construction spread, knowing which decade a specific home was built in — and what that implies for inspection priorities — is the difference between a sound purchase and a costly surprise. We walk buyers through that history house by house rather than treating Merrill-Vaughn Sub as a single uniform product.
Merrill-Vaughn Sub in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Merrill-Vaughn Sub buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Merrill-Vaughn Sub sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Merrill-Vaughn Sub, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Merrill-Vaughn Sub home worth?
Get a no-obligation home value based on real comparable sales in Merrill-Vaughn Sub, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
How many homes are in Merrill-Vaughn Sub?
What share of Merrill-Vaughn Sub is owner-occupied?
When were the homes in Merrill-Vaughn Sub built?
Who is the best real estate agent for Merrill-Vaughn Sub?
How do I find a top Umatilla real estate agent who knows Merrill-Vaughn Sub?
Can Momentum Realty connect me with an agent for Merrill-Vaughn Sub?
Should you buy in Merrill-Vaughn Sub?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (3 streets, ZIP 32784)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2017 (5 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live your area comps.
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